JP2008004006A - Currency processing system - Google Patents

Abstract

The present invention provides a currency exchange processing system capable of easily using a check function for preventing illegal transactions in currency exchange transactions.
In a currency exchange processing system that includes a transaction server 104 that executes a transfer operation in response to an accepted transfer request, and executes a transfer from an account of a transfer request source to an account of a transfer request destination in response to the transfer request, The transaction server 104 includes a foreign exchange transaction database 107 in which transfer request destination account information transferred in the past is recorded for each transfer request source account, and the received transfer request includes a transfer request destination not recorded in the database. In the case of the request, a warning is displayed on the display screen of the window terminal, automatic transaction apparatus, or personal computer that accepts the transfer request to prompt the review of the transfer.
[Selection] Figure 1

Description

  The present invention relates to an exchange processing system, and more particularly to an exchange processing system capable of detecting an abnormal transfer process and issuing an alarm.

  Financial institutions such as banks handle a large number of exchange transactions. Foreign exchange transactions were mainly performed by operating the counter terminal. However, in recent years, the congestion of the counter has become a problem, and in order to alleviate the congestion, an automatic teller machine (ATM) or a personal computer (PC) is used. Foreign exchange transactions are now being used. In particular, currency exchange using a personal computer is realized by a service called Internet banking.

  Conventionally, in order to prevent fraud, forex trading, a system (hereinafter referred to as a board approval process) in which an administrator called a board member performs confirmation is performed. Recently, a system that performs on-line approval processing is used (see Patent Document 1).

  In recent years, fraudulent transactions called transfer fraud have become a social problem. A transfer fraud is a fraud that occurs in the following procedure. (1) A criminal who executes fraud prepares an account in advance. (2) The criminal tricks the depositor to make a foreign exchange transaction to the account of (1) and transfer the cash. (3) The criminal withdraws the cash transferred in (2).

  The amount of damage caused by wire fraud is increasing year by year, and banks are being forced to respond to the end-users and to create a system that will not suffer damage.

The transfer fraud is characterized in that the currency exchange client is not a criminal of the transfer fraud. For this reason, the transfer fraud cannot be prevented by the identity verification by inputting the personal identification number or the like. Therefore, in order to prevent the transfer fraud using the current system, it is considered that the method for the officers to detect the transfer fraud is the most effective.
JP-A-4-344563

  However, the position approval process is a process performed only for exchange transactions using a window terminal, and is applied to exchange transactions using an automatic cash transaction apparatus (ATM) or a personal computer (PC). Absent. Therefore, there is no function for preventing fraud with respect to exchange transactions using an automatic cash transaction apparatus (ATM) or a personal computer (PC).

  In addition, in order to prevent fraud, if it is attempted to perform the approval process for all exchange transactions, the burden on the officer will increase. In order to avoid this, in the current system, only the exchange transactions exceeding a certain amount set by the bank are subject to the official approval process. In other words, there is no function to prevent fraud in exchange transactions less than a certain amount. Hereinafter, with regard to the amount of exchange transaction, the amount when the board approval process is performed may be expressed as a large amount, and the amount when it is not performed may be expressed as a small amount.

  Thus, there are the following problems in order to prevent illegal transactions such as wire fraud using the current exchange processing system.

(1) There is no check function for an exchange transaction using an automatic teller machine (ATM) or a personal computer (PC). As described above, the exchange transaction request method is diversified, and it is possible to request an exchange transaction not only from a window terminal but also using an automatic teller machine (ATM) or a personal computer (PC). However, the current exchange processing system does not use the check function for all exchange transactions.

(2) There is no check function for small exchange transactions. As described above, in order to reduce the burden on the administrator, only a large amount of foreign exchange transactions are checked, so the check function for a small amount of foreign exchange transactions does not work.

(3) In order to solve the above two problems, if it is attempted to perform the role approval process for all exchange transactions, the waiting time of the requester increases and the burden on the administrator also increases.

  The present invention has been made in view of such problems, and provides a currency exchange processing system that can easily use a check function for preventing illegal transactions in currency exchange transactions.

  In order to solve the above problems, the present invention employs the following means.

  Connected to a counter terminal provided at a counter of a financial institution, an automatic transaction apparatus having a transfer request reception function, a personal computer having a transfer request reception function, and the counter terminal, the automatic transaction apparatus and the computer, In a currency exchange processing system that includes a transaction server that executes a transfer operation in response to an accepted transfer request, and that performs a transfer from the transfer request source account to the transfer request destination account in response to the transfer request, the transaction server includes: For each transfer request source account provided with a foreign exchange transaction database that records transfer request destination account information transferred in the past, and when the received transfer request is a request with the transfer request destination not recorded in the database as a transfer destination, There are window terminals and automatic transaction devices that accept transfer requests. Displays a warning to the effect that promote the re-examination of transfer on a display screen of a personal computer.

  Since the present invention has the above-described configuration, it is possible to provide a currency exchange processing system capable of operating a check function for preventing illegal transactions in currency exchange transactions while suppressing time required for currency exchange transactions and a burden on an administrator. it can.

  Hereinafter, the best embodiment will be described with reference to the accompanying drawings. FIG. 1 is a diagram for explaining the exchange processing system of the present embodiment. In FIG. 1, 101 is a counter terminal installed at a bank counter and operated by a bank employee, 102 is an automatic transaction apparatus (ATM) installed in the bank, 103 is a personal computer (for example, a personal computer (PC) for Internet banking application) It is. Reference numeral 104 denotes a transaction server, and 108 denotes a host connected to the server 104 and a system of another bank.

  The server 104 is connected to the window terminal 101, automatic transaction apparatus (ATM) 102, and personal computer (PC) 103, and is input via the window terminal 101, automatic transaction apparatus (ATM) 102, and personal computer (PC) 103. In accordance with the transfer request, the transfer process is executed via the host.

  Reference numeral 105 denotes an automatic check system which will be described later, and automatically checks whether transfer processing is appropriate. Reference numeral 106 denotes a board terminal operated by an administrator. The administrator operates this terminal to determine whether transfer processing is appropriate, and inputs the determination result. Reference numeral 107 denotes an exchange transaction database, which stores a history of exchange transactions.

  FIG. 2 is a diagram for explaining the contents of the exchange transaction database 107. As shown in FIG. 2, the transfer transaction database stores a transfer source account number, a transfer destination bank name, a transfer destination account number, a transfer amount, and a request source terminal name.

  In FIG. 1, the exchange transaction requester 111 requests the operator 112 of the window terminal 101 to perform processing, or directly operates the automatic transaction apparatus (ATM) 102 or the Internet banking application personal computer (PC) 103. Start a transaction. The requester of the exchange transaction (transfer request), that is, the window terminal 101, the automatic transaction apparatus (ATM) 102, or the personal computer (PC) 103 generates the transfer data 211 shown in FIG. 2 and sends the generated transfer data to the transaction server 104. To do. The generated transfer data is stored in the exchange transaction database 107 after the transfer is executed.

  FIG. 3 is a diagram for explaining processing of the transaction server 104. The server 104 receives the transfer data 211 shown in FIG. 2 from the window terminal 101, the automatic transaction apparatus (ATM) 102, or the personal computer (PC) 103, and automatically checks the suspected transfer fraud using the automatic check system 105. . Details of the automatic check will be described later (step S301). When the automatic check system 105 determines that there is a suspicion of the transfer fraud, for example, a warning shown in FIG. 5 is displayed on the terminal operated by the exchange transaction requester (requester of the transfer process) when requesting the transfer process. Then, a determination is made as to whether or not to continue the transfer process, and the requester of the transfer process inputs the determination result (steps S303 and S304).

  If it is determined in step S302 that there is no suspicion of transfer fraud, or if it is determined in step S304 that the transfer process is to be continued, it is determined whether or not to perform a board approval process. This determination can be made, for example, only for transactions in which the requester of the exchange transaction is a window terminal, or only for transactions in which the transfer amount is greater than or equal to a preset value (step S305).

  If it is determined in step S305 that the role approval process is to be performed, a position approval request is transmitted to the administrator (the position) (step S306). If the administrator does not approve the continuation of the transaction in the board approval process, the exchange process (transfer process) is canceled, and the exchange transaction requester (transfer process requester) operates the exchange transaction on the terminal operated when requesting the transfer process. Is displayed (steps S307, S308, S309).

  In step S305, if it is determined not to perform the role approval process, or if the continuation of the transaction is approved in the position approval process in step S307, the exchange process is continued. A message indicating that the processing is completed is displayed on the terminal operated when the requester (requester of the transfer process) requested the transfer process (steps S310 and S311).

  FIG. 4 is a diagram for explaining the details of the automatic check process (step S301) shown in FIG.

  In the automatic check, check items set in advance are sequentially checked. That is, in step S401, it is determined whether or not the transfer destination account has received a transfer fraud damage report. In step S402, it is determined whether or not the current transfer is the first transfer to the transfer destination. In step S403, it is determined whether or not the transfer requester has an age / sex that is likely to be fraudulent. In step S404, it is determined whether or not the transfer requester can see a psychological state of fear or fear. It is to be noted that the psychological state of the request or transfer fear of the transfer requester can be analyzed based on biological information such as the requester's facial expression and action, sweat (skin resistance), and the like.

  If at least one of the check items matches, it is determined that there is a suspicion of transfer fraud, and if it does not match all of the check items, it is determined that there is no suspicion of transfer fraud.

  FIG. 5 is a diagram showing an example of a warning message displayed in step S303 of FIG. As shown in FIG. 5, the automatic check result content 502 is displayed on the warning message screen. The requester of the transfer process confirms the result of the automatic check, and presses the button 503 to continue the transfer process, and presses the button 504 to stop the transfer process.

  As described above, according to the present embodiment, it is possible to perform the exchange transaction check for all the exchange transactions. As a result, damage caused by illegal exchange transactions can be reduced. In addition, by introducing an automatic check into the exchange transaction check, it is possible to reduce the burden required for the office check.

It is a figure explaining an exchange processing system. It is a figure explaining the content of an exchange transaction database. It is a figure explaining the process of a server. It is a figure explaining the detail of the automatic check process (step S301) shown in FIG. It is a figure which shows the example of the warning message displayed in step S303 of FIG.

Explanation of symbols

101 counter terminal 102 automatic teller machine (ATM)
103 PC
104 Transaction Server 105 Automatic Check System 106 Board Terminal 107 Exchange Transaction Database 108 Host

Claims (5)

Connected to the counter terminal provided at the counter of the financial institution, an automatic transaction apparatus having a transfer request reception function, a personal computer having a transfer request reception function, and the counter terminal, the automatic transaction apparatus and the computer, respectively. In a currency exchange processing system that includes a transaction server that executes a transfer operation in response to an accepted transfer request, and executes a transfer from the transfer request source account to the transfer request destination account in response to the transfer request,
The transaction server includes a foreign exchange transaction database in which transfer request destination account information that has been transferred in the past is recorded for each transfer request source account, and the received transfer request is a transfer request destination that is not recorded in the database. If it is a request, a currency exchange processing system that displays a warning prompting reexamination of the transfer on the display screen of the window terminal, automatic transaction apparatus or personal computer that accepts the transfer request. Connect to any of the counter terminals installed at the financial institution's counter, an automatic transaction device with a transfer request reception function, or a personal computer with a transfer request reception function, and perform the transfer operation according to the received transfer request In a currency exchange processing system that has a transaction server to execute, and performs transfer from the transfer request source account to the transfer request destination account in response to the transfer request,
The transaction server includes a foreign exchange transaction database in which transfer request destination account information that has been transferred in the past is recorded for each transfer request source account, and the received transfer request is a transfer request destination that is not recorded in the database. If it is a request, a currency exchange processing system that displays a warning prompting reexamination of the transfer on the display screen of any of the window terminal, automatic transaction apparatus, or personal computer that accepts the transfer request. The exchange processing system according to claim 1 or 2,
The automatic transaction apparatus or the computer is provided with biometric information acquisition means for acquiring biometric information of an operator of the computer, and when the biometric information acquisition means detects an abnormality in the biometric information, the transaction server automatically accepts a transfer request for detecting the abnormality. A currency exchange processing system, characterized by displaying a warning to the effect that reexamination of transfer is encouraged on a display screen of a transaction apparatus or a personal computer. The exchange processing system according to claim 3,
The exchange processing system, wherein the biological information acquisition means detects a skin resistance of a user. The exchange processing system according to claim 1 or 2,
The said transaction server prohibits the display of the said warning when the amount of money for transfer is below a preset value, The exchange processing system characterized by the above-mentioned.

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